Low Cost Dental Plans

By Steve Phipps


When Did Going To The Dentist Become Optional?

Do you remember when we were kids and you used to go to the dentist for your regular exams and teeth cleaning? I sure used to hate those visits but it had to be done to keep our teeth healthy or at least that is what mom told us anyway.

I think I know when we started viewing going to the dentist as optional. It was right about the point that the big insurance companies started creating group dental plans. You know those "bargain" plans with a low monthly premium?

The same plans that only cover enough to get you to the point where you have to start paying out of pocket when the bills start getting big. The same plans that look at some major oral procedures as "optional"

The New Low Cost Dental Plans

Well the insurance companies now have a new competitor to deal with and it is not other insurance companies. It is low cost dental plans and they having dentists signing on by the thousands. What makes these discount dental plans so attractive to dentists and consumers alike? The first thing is they are not insurance companies and that means no paperwork, no pre-existing conditions, no pre-approval for treatment, no referral for specialist and more coverage of more procedures.

How Cheap Are These New Cheap Dental Plans?

Well some of these new low cost dental plans are not just for dental care. One of the leaders in the new discount dental plans, Ameriplan, offers a program that covers dental, vision, prescription and chiropractic care on a discount basis to it's members for less than $20 a month for complete family coverage.

These new plans are allowing families who do not have coverage or could not afford their current coverage options the ability to go to the dentist and enjoy discounts from 25%-80%.

You might be surprised be surprised to know that 30,000 dentists, 12,000 vision care centers and over 50,000 pharmacy locations nationwide have signed on to the Ameriplan program alone. 1.4 million American residents have signed on to this program and the company boasts a total membership savings on care of over 1 billion dollars.

How Do They Work?

The new discount dental plan member uses either a website or toll free number to find the provider they wish to visit, make an appointment, get their care and present their member card to receive the discount. These programs have a schedule of fees similar to the insurance company so you know exactly what your costs are going to be as well as what the normal cost would be and your percentage of discount for the procedure.

There are no age limitations or pre-existing condition restrictions with most of these plans so you can go get that root canal done without some company saying you are not covered because you had the problem before you had the coverage.

Going to the dentist should not be optional and there is no reason it has to be anymore.

Steve Phipps is a work at home professional that was forced to turn to a new alternative dental plan when his traditional insurance coverage became unaffordable and to restrictive. His provider of choice is Ameriplan

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